What is your biggest obstacle to achieving financial freedom ? - page 22.

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Quote from: Lanatsa on January 08, 2023, 06:18:00 PM

Quote from: Iroh on January 08, 2023, 05:51:29 PM

Quote from: odunybiz on January 07, 2023, 05:59:47 PM

Quote from: dansus021 on December 21, 2022, 10:44:22 PM

A lot. Especially with the job, it's very hard to get a job nowadays when u only have little skill.

What do you expect? Will they leave people with great skills to employ some one with little skills. Whatever skills one is learning, one should try and learn fully. With your great skills, employer will be the one running after you.

I’m todays world, skills is a must have for todays job seeker as skills would obviously boost his application for any job. While skills are important, having a great educational experience and qualifications is also necessary in order to get a good job.
I think an employer could also hire an applicant with various educational qualifications and degrees and then spend some good money to train and equip the applicant with the skills necessary for the job. So while we strive to get skilled in whatever we do, it’s always great to have a college degree attached.

When you do have a degree then it is already that an disadvantage compared into those who have none but we know that it isnt really an assurance for you to have a successful life.If we do tend to look around

on which there are no degree holders do able to achieve or attain more or something than into those who had finished up college.Of course this isnt that right for those people to make it as an inspiration.
Its better to have a degree since you could really be having an option whether you do have your own day job and would find out for some side income with your other skills.
It would be depending on how someone would be using up their time efficiently and effectively.

After Covid - I realized one thing - its skill which sells.
Many high degree profile holder suffered so much but the skilled people survived and they did it well

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Quote from: Iroh on January 08, 2023, 05:51:29 PM

Quote from: odunybiz on January 07, 2023, 05:59:47 PM

Quote from: dansus021 on December 21, 2022, 10:44:22 PM

A lot. Especially with the job, it's very hard to get a job nowadays when u only have little skill.

What do you expect? Will they leave people with great skills to employ some one with little skills. Whatever skills one is learning, one should try and learn fully. With your great skills, employer will be the one running after you.

I’m todays world, skills is a must have for todays job seeker as skills would obviously boost his application for any job. While skills are important, having a great educational experience and qualifications is also necessary in order to get a good job.
I think an employer could also hire an applicant with various educational qualifications and degrees and then spend some good money to train and equip the applicant with the skills necessary for the job. So while we strive to get skilled in whatever we do, it’s always great to have a college degree attached.

When you do have a degree then it is already that an disadvantage compared into those who have none but we know that it isnt really an assurance for you to have a successful life.If we do tend to look around

on which there are no degree holders do able to achieve or attain more or something than into those who had finished up college.Of course this isnt that right for those people to make it as an inspiration.
Its better to have a degree since you could really be having an option whether you do have your own day job and would find out for some side income with your other skills.
It would be depending on how someone would be using up their time efficiently and effectively.

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Quote from: tabas on January 08, 2023, 05:51:31 PM

Quote from: Hamza2424 on January 08, 2023, 02:47:56 PM

The current political situation in my country haha as freedom is far away. In term of technology adoption we are still stuck in in food,home and clothes but still Alhamdulliah we are living. But i think in some wordics we are free to choose with the crypto but crypto is non fully legal tender in my country and for atleast next 5 to 8 years i cant see any progression in this lineup but i am hopeful. Somehow if we gets out this shit of politics then yhing May change.

It doesn't have to be fully legal tender for bitcoin/crypto in your country. The good status is they support and legalize the usage of it or no policies at all or just be neutral.
Having this set of rules by your government will already make it easy for the citizens there that are into crypto to spend and convert it at any time that you want.
But I do agree that government is one reason why many don't achieve financial goals because of the policies that they make isn't favorable to the average citizens that they have and it's only mostly favored to the rich.

in my opinion, if btc is not yet legal tender or has regular tax protocols but you can freely use and trade it, you are lucky. you don't need to pay taxes if their regulations are not clear. enjoy the moment. because if your govt has clear taxation rules, you may end up declaring your crypto even if you are just a small owner.

now when it comes to financial freedom, everyone of us has financial targets. it depends on us how we will attack on those targets. but don't wait for others to help you, make your own strategies how to achieve such goals.

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Quote from: Hamza2424 on January 08, 2023, 02:47:56 PM

The current political situation in my country haha as freedom is far away. In term of technology adoption we are still stuck in in food,home and clothes but still Alhamdulliah we are living. But i think in some wordics we are free to choose with the crypto but crypto is non fully legal tender in my country and for atleast next 5 to 8 years i cant see any progression in this lineup but i am hopeful. Somehow if we gets out this shit of politics then yhing May change.

It doesn't have to be fully legal tender for bitcoin/crypto in your country. The good status is they support and legalize the usage of it or no policies at all or just be neutral.
Having this set of rules by your government will already make it easy for the citizens there that are into crypto to spend and convert it at any time that you want.
But I do agree that government is one reason why many don't achieve financial goals because of the policies that they make isn't favorable to the average citizens that they have and it's only mostly favored to the rich.

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Quote from: odunybiz on January 07, 2023, 05:59:47 PM

Quote from: dansus021 on December 21, 2022, 10:44:22 PM

A lot. Especially with the job, it's very hard to get a job nowadays when u only have little skill.

What do you expect? Will they leave people with great skills to employ some one with little skills. Whatever skills one is learning, one should try and learn fully. With your great skills, employer will be the one running after you.

I’m todays world, skills is a must have for todays job seeker as skills would obviously boost his application for any job. While skills are important, having a great educational experience and qualifications is also necessary in order to get a good job.
I think an employer could also hire an applicant with various educational qualifications and degrees and then spend some good money to train and equip the applicant with the skills necessary for the job. So while we strive to get skilled in whatever we do, it’s always great to have a college degree attached.

Cryptock

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Quote from: Hamza2424 on January 08, 2023, 02:47:56 PM

The current political situation in my country haha as freedom is far away. In term of technology adoption we are still stuck in in food,home and clothes but still Alhamdulliah we are living. But i think in some wordics we are free to choose with the crypto but crypto is non fully legal tender in my country and for atleast next 5 to 8 years i cant see any progression in this lineup but i am hopeful. Somehow if we gets out this shit of politics then yhing May change.

I hope and wish you get Haqeeqe Azadi soon and the country comes out out of crisis.
The real stability comes with the stable government - which is impossible as long as elections are not announced.
How ever the real problem is people not rising against all what is going on with them, Good luck`

Hamza2424

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The current political situation in my country haha as freedom is far away. In term of technology adoption we are still stuck in in food,home and clothes but still Alhamdulliah we are living. But i think in some wordics we are free to choose with the crypto but crypto is non fully legal tender in my country and for atleast next 5 to 8 years i cant see any progression in this lineup but i am hopeful. Somehow if we gets out this shit of politics then yhing May change.

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Quote from: fullhdpixel on January 07, 2023, 04:12:44 PM

Yesterday, I realize that I fear my wife would be mad at me if I took too much risk, but also I would be pretty upset if we lived a poor life because of my mistake as well. If I trusted myself, even if my wife was mad at me for doing it, I would simply just buy whatever or trade or whatever I should do and then I would tell my wife to be calm.

Because no matter how mad she could be, if I make a huge profit and achieve our financial freedom together, then she would forgive me and be super supportive and happy. The problem is within me, I am afraid that if I make a decision and then lose all our money then I would be sad to see her live a worse life than she deserves because of my mistake.

After all, our biggest obstacle is ourselves because we have so much to fear and worry about that we can't make a perfect decision. Financial freedom is something we all aspire to, but there are many things that prevent us from achieving it, because in life so many other things that we need to prioritize. But in my opinion, there are many other ways to financial freedom, it's just that we haven't found a better way yet, let's keep working hard, and I believe that with hard work, one day success will also come to us.

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Quote from: Marcellin9 on December 22, 2022, 10:38:11 PM

Quote from: avikz on December 22, 2022, 10:43:59 AM

Quote from: Marcellin9 on December 21, 2022, 09:12:11 PM

Regardless where we live, money is our top priority in order to survive and thrive. Having enough money to fall back on means we are entitled to more choice and possibilities. Like it or not, we are chasing or being forced to chase money in most phases of our life. Financial freedom has been most people's ultimate goal for decades, if not for centuries. To achieve this goal, we will encounter endless challenges. Each of us has a unique life situation so what is your biggest obstacle to achieving it ? I know we can make a long list of problems but there must be one or two primary reasons that really hold you back. This is where we should focus and I would like to hear your story. Thanks.

I believe our lifestyle is the major obstacle in achieving the financial freedom. We are social animals and the society plays a big role in our lifestyle. We always keep on upgrading our lifestyle as our income grows and that's where we all make mistakes. We should keep a consistent lifestyle even if our income keeps on growing.

I will give you my example. I used to drive a very small and basic car since 2015. It was a zero maintenance car with low fuel consumption. Now in 2021, I had upgraded to a SUV. I didn't need that car but I bought it anyways just because my wife wanted to show off. The amount of EMI just tripled and the maintenance became expensive. I could have easily saved that additional amount of money. But my lifestyle didn't allow me so do so.

So for me, my lifestyle is the biggest blocker to achieve financial freedom early in life.

Thanks for your comment. You've really made a good point. Lifestyle looks subtle but actually is the prominent reason why we can't make financial freedom possible. A consistent lifestyle that satisfies our basic needs with no lavish stuff is much more important than making more money yet spending it soon. I also bought a new SUV last year for no particular season although my previous car was still running great. Then all expenses were flooding and I had to make extra budget for maintaining the vehicle. I totally understood what you were talking about. We'd better to keep a low-profile life and be happy with it.

Actually what you do is not a problem buying luxury goods or anything else, the problem is you don't do the calculations beforehand, when you want to buy something and you get it, that is financial freedom in my opinion. Not a few rich people or people who are in the developmental stage buy something as a self-reward which aims to motivate and encourage enthusiasm so that they work better. But before that there must be a clear calculation both in terms of risk, management of income and expenses is an important thing to consider when you want to do something with your money.

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Quote from: og kush420 on January 07, 2023, 03:01:22 PM

Quote from: minime0105 on January 06, 2023, 05:35:11 PM

I will start by saying in our everyday life money is one of the major thing we need to thrive, for me my major obstacle to achieving financial freedom is lack of job and information, we all know that in some country today instead of the Government to create jobs for their citizens or non citizens the are busy cutting down salaries, companies in the other hand is reducing their work force somany of them attribute it to covid19 effect, so the think that for them to caution the effects the see cutting down salaries and stoping employment as the best option, when I say information we all know that information is power because when you don't have the information on how to invest your money nomatter how small it is in a meaningful thing that can bring profit to you that's to say you will remain at your level instead of your money to appreciate it keep on depreciating because of lack of ideology and information let's not forget that a man that does not invest or save is still poor.

i think major problem is people not willing to work these days. Those who are skilled. Who not remain jobless - they will find ways to earn money
the only person who will remain jobless these days is coward person. He will be a burden on family forever.

Their is some person's who is waiting for the development and government employment, and those people is hopping on certificate job by the government, so the erra has past and i believes that if you don't have wisdom this period you won't have at least stay one coup in some countries that is made of jobless, do government is not trying and many people will not understand, the thing i understand and know quite well is that nobody should hope on government job to survive

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Quote from: dansus021 on December 21, 2022, 10:44:22 PM

A lot. Especially with the job, it's very hard to get a job nowadays when u only have little skill.

What do you expect? Will they leave people with great skills to employ some one with little skills. Whatever skills one is learning, one should try and learn fully. With your great skills, employer will be the one running after you.

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Quote from: isaac_clarke22 on January 07, 2023, 05:01:40 PM

Quote from: Wakate on January 07, 2023, 04:51:40 PM

~

And this is why many people in my country including me are usually doing the job hopping strategy and aim for a better company then the end point would be establishing my own business once I have enough money. Thing is there's "only chances" that you could get rich in your usual 9-5 work unlike when you're own boss or you're the business owner.

There are people also doing freelance business especially from 3rd world countries considering how 1st world countries really pay well in their own end due to dollar value.

Business brings money, but the same had got risk whereas with 9-5 job we don't get into big risk though there is no job security. When it comes to own business we'll be more responsible than working for a company. Freelance is good for people who love to live the life without big expectation. When expectation increase automatically it'll disturb our financial pressure.

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Quote from: Wakate on January 07, 2023, 04:51:40 PM

~

And this is why many people in my country including me are usually doing the job hopping strategy and aim for a better company then the end point would be establishing my own business once I have enough money. Thing is there's "only chances" that you could get rich in your usual 9-5 work unlike when you're own boss or you're the business owner.

There are people also doing freelance business especially from 3rd world countries considering how 1st world countries really pay well in their own end due to dollar value.

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Quote from: Marcellin9 on December 21, 2022, 09:12:11 PM

Regardless where we live, money is our top priority in order to survive and thrive. Having enough money to fall back on means we are entitled to more choice and possibilities. Like it or not, we are chasing or being forced to chase money in most phases of our life. Financial freedom has been most people's ultimate goal for decades, if not for centuries. To achieve this goal, we will encounter endless challenges. Each of us has a unique life situation so what is your biggest obstacle to achieving it ? I know we can make a long list of problems but there must be one or two primary reasons that really hold you back. This is where we should focus and I would like to hear your story. Thanks.

To get financial stability is never easy for an employee who is stick to fixed salary every week or month. Mist time it is the employer or CEO that benefits more from the huge input of the employees. Now that the price of good is skyrocketing and people are complaining, that would not make employees salaries to be increase in ratio of the level of inflation that everyone is being affected by.
One of the way to create a financial freedom is for us to create our own business and grow it to the level that want so that the little pay we do get from been an employees would not ruin our financial status.

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Quote from: fullhdpixel on January 07, 2023, 04:12:44 PM

Yesterday, I realize that I fear my wife would be mad at me if I took too much risk, but also I would be pretty upset if we lived a poor life because of my mistake as well. If I trusted myself, even if my wife was mad at me for doing it, I would simply just buy whatever or trade or whatever I should do and then I would tell my wife to be calm.

Because no matter how mad she could be, if I make a huge profit and achieve our financial freedom together, then she would forgive me and be super supportive and happy. The problem is within me, I am afraid that if I make a decision and then lose all our money then I would be sad to see her live a worse life than she deserves because of my mistake.

One that mainly hinders us on taking up such risk is because we do fear on committing mistakes and errors which would be possibly the reason on making your life miserable in speaking with financial.If you are really

just earning sufficient enough for daily living then you cant really make out such easy decisions on taking up some risk because you do know on whats at stake and this is why lots had still been decided to
just stand on where they are and would be better if they would just make themselves to be the same.Well, its a personal type of choice since not all would be risk takers which im not really seeing anything wrong
with this kind of action.Even myself wayback on which i do only have sufficient amount for my living and supporting my family but i did take up some risks and luckily turns out to be positive.
Im thankful for those people who had encouraged me on doing such step because it did turns out to be positive for me.

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Quote from: freedomgo on December 26, 2022, 03:55:41 PM

Quote from: molsewid on December 24, 2022, 01:31:08 PM

Quote from: chrisculanag on December 24, 2022, 08:54:17 AM

For me the biggest obstacle is the low level of my education which makes it difficult for me to find a good job that can give me the dream of financial freedom. All I do is look for extra income online. I'm thinking more about saving first and finding a good business that suits me.

It can be an obstacle for now but when you learn to make your own way to surpass this thing you can be unstoppable. My own obstacle right now is money of course since I am really affected by sudden inflation and my salary is not enough for my family, so right now I am planning my things for 2023, planning for plan a and b of course not all things will go according to my way but it will be okay since I believe God has better plans. Maybe just find a new skill that will pay you more, more than your job online. having a limited number of work but has a good quality and bigger salary is better than having multiple but low salary and the quality of your work will be a problem.

Being a non-degree holder at the moment is not a big deal anymore since we can still earn big as long as the skills are there to make your work productive. Everything now lies on your own strategies in life, on how you will manage your life on the best way you can. Personally, my biggest obstacle right now is having no funds for investments. I have my own well compensated job but it’s just that all my income only go to my family’s needs. So I think I have to build new plans too so I can be much better version of me this coming 2023.

I agree with that , we only really need to find a way to be strategic but there are times a degree holders can pull more easily than non degree. But even though a bit difficult, I'm still continuing to study thru online and also researching work things that I can add to my work at the moment. Although it hurts to hear, we are also same my earning too is just for the family, but somehow I get some part time jobs so it eases the expenses a bit.

I hope this year we will be blessed and rise again in life.

fullhdpixel

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Yesterday, I realize that I fear my wife would be mad at me if I took too much risk, but also I would be pretty upset if we lived a poor life because of my mistake as well. If I trusted myself, even if my wife was mad at me for doing it, I would simply just buy whatever or trade or whatever I should do and then I would tell my wife to be calm.

Because no matter how mad she could be, if I make a huge profit and achieve our financial freedom together, then she would forgive me and be super supportive and happy. The problem is within me, I am afraid that if I make a decision and then lose all our money then I would be sad to see her live a worse life than she deserves because of my mistake.

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The biggest obstacle is information.
Getting the right information on how to create wealth is important. Some people have the information and hoard it while some do not have information at all. Some are looking for information and some have information and do not know what to do with it.
Also some are given wrong information.
Information is Power and according to a popular saying "if you are not informed, you will be deformed".

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Quote from: ?? on ??

-Have educational degree but remains jobless?
Due to;
High competition
Hiring are to those who do have internal connections
Just simply they dont like the job.

I agree such obstacles do exist in job market even when you have a degree. However, the degree doesn't become less important because of that. It still means you have an extra advantage when compared to those who don't have any educational backgrounds. Things may be not looking favourable right now, but I believe it could be worse without a degree.

Quote from: ?? on ??

Its not always talking about being lazy but rather they are really that choosy specially into those people who do actually have the skills.
We could see that there are people who doesnt have a degree but ends up successful in life, because of what?
Dedication and trying to engage and involve in all sorts of things as long they do make some income which it doesnt matter
on what would be the job or position would be.

There are different factors which drive people to success in life without a degree. Some morally acceptable, others not that much. Dedication is a must for every individuals, doesn't matter if they work with or without a degree, inside or outside formal job market, etc. Anyway, if there is dedication involved, why not use it to improve professional qualifications? That will be benefical for finding better spots later and delivering better results as a professional.

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Quote from: minime0105 on January 06, 2023, 05:35:11 PM

I will start by saying in our everyday life money is one of the major thing we need to thrive, for me my major obstacle to achieving financial freedom is lack of job and information, we all know that in some country today instead of the Government to create jobs for their citizens or non citizens the are busy cutting down salaries, companies in the other hand is reducing their work force somany of them attribute it to covid19 effect, so the think that for them to caution the effects the see cutting down salaries and stoping employment as the best option, when I say information we all know that information is power because when you don't have the information on how to invest your money nomatter how small it is in a meaningful thing that can bring profit to you that's to say you will remain at your level instead of your money to appreciate it keep on depreciating because of lack of ideology and information let's not forget that a man that does not invest or save is still poor.

i think major problem is people not willing to work these days. Those who are skilled. Who not remain jobless - they will find ways to earn money
the only person who will remain jobless these days is coward person. He will be a burden on family forever.

Topic: What is your biggest obstacle to achieving financial freedom ? - page 22. (Read 4194 times)